Your home is perhaps your most valuable possession.
You need the best coverage available - at a reasonable price. You also want
the flexibility to choose your options. Farmers offers you the best of all
possible worlds. Plus, the expertise to get you back where you belong in the
event of an unfortunate incident.
Farmers Homeowners insurance gives you peace
of mind. Your house and separate structures are covered for almost
any type of damage, except for common exclusions such as wear and
tear, earth movement, earthquake, flood and nuclear hazard.
In addition, attached structures and wall-to-wall carpeting is covered.
Separate structures on your property, other than for business purposes,
such as a detached garage or toolshed, are covered up to 10 percent
of the coverage on your house. Higher limits are available for additional
premium.
You'll rest easy knowing your personal possessions inside
are also covered for up to 55 percent of the amount of coverage on your home.
Personal property is also covered away from the premises for up to 55 percent
of the amount of coverage on your house anywhere else in the world. If your personal
property is at a secondary residence, such as a cabin or vacation home, you are
covered up to $1,000 or 10 percent of the on-premises coverage, whichever is
greater. Optional higher limits are also available.
While your house is covered for most types of damages, your personal
property is covered for damages resulting from:
- Fire or lightning, windstorm or hail
- Explosion
- Riot or civil commotion
- Aircraft or vehicles
- Smoke, if sudden and accidental
- Vandalism or theft
- Falling objects
- Weight of ice, snow or sleet
- Water or steam - accidentally discharged from a
plumbing system or appliance
- Sudden and accidental bulging, cracking, rupture
or burning of steam or hot-water heating systems and water heaters
- Sudden and accidental damage from artificially
generated electrical current *
- Freezing of a plumbing, heating, air conditioning
system or household appliance
* Loss to transistors or similar electronic components not included.
If you can't live in your house after a covered loss, we cover the additional
cost of living in hotels, meals, etc. Your coverage pays up to 30 percent of
the amount of insurance on your house as an additional coverage with no deductible.
In addition, you will be reimbursed for any loss of rents that result from that
portion of your house/property rented to others being unlivable. We also pay
up to an additional 5 percent of the amount of coverage on your house and no
more than $500 per item to replace trees, shrubs, plants and lawns for a loss
by fire or lightning, explosion, riot or civil commotion, aircraft, vehicles
not owned or operated by residents, vandalism and theft.
As a homeowner, you want to feel secure from threat of liability damages. Your
Farmers coverage pays the for bodily injuries to other people, or damage to their
property, if you are liable, resulting from:
- The use of your premises, including swimming pools,
if it's a one- or two-unit family dwelling
- Other residential property you use as a rental,
if you choose to add it
- The acts of your pets
- Unintentional acts committed by you or qualified
family members, either on or off your premises The coverage also pays for
medical payments for other people injured on your premises, regardless
of liability, up to certain limits.
Your coverage also includes expenses in a suit we defend
on your behalf, such as court costs, and attorney, investigator and witnesses
fees. It also pays expenses you incur at Farmers' request, including up to $60
a day for actual loss of wages as well as the premium on appeal bonds, bonds
to release attachments, and the cost of bail bonds.
All expenses you incur for necessary medical aid
to other people at the time of an accident are covered by the policy.
You are also covered up to $500 per loss for damage to property of others caused
by a qualified family member where you are not legally liable.
Click here to request additional information.
Imagine for a moment that you've just returned home from a long day at work to
find that there has been a fire. Everything you own has been destroyed: your
TV, VCR, stereo, all of your CDs, dishes, furniture and clothing. Who will pay
to replace all of your belongings? Where will you stay until your apartment is
renovated? If the unfortunate should happen and you suffer a covered loss, a
Farmers® Renters Package is the answer. It will reimburse you for lost or damaged
items, and if the loss makes your home uninhabitable, it will also pay the additional
cost of hotel, meals, and other such related expenses. While renters insurance
can't prevent a fire or similar loss from occurring, it can bring you back to
where you were prior to the loss.
Your landlord carries insurance should a loss occur.
Unfortunately, your landlord's policy probably won't cover your personal belongings
for the same loss. The Farmers Renters Package fills this gap with the coverage
necessary to replace your lost or damaged items.
These are some of the types of losses for which your personal property is covered:
- Theft
- Vandalism
- Smoke, if sudden and accidental
- Sudden and accidental discharge of water or steam
from plumbing, heating or air conditioning system, or household appliance
- Fire or lightning S Windstorm or hail
- Explosion
- Glass breakage
- Falling objects
- Collapse of building
- Vehicles
- Weight of ice, snow, or sleet
- Riot or civil commotion
- Aircraft
Your coverage pays the additional costs of living in hotels, eating in restaurants,
etc., while your living quarters are uninhabitable due to an insured loss. It
also pays up to 20 percent of the amount of coverage on your personal property
with no deductible.
We cover improvements, alterations and additions to rented
property, up to 10 percent of the amount of coverage on your personal property.
This coverage applies to your personal property anywhere
in the world. However, if your personal property is located at a secondary residence,
such as a vacation home, the policy pays up to $1,000 or 10 percent of the amount
of coverage provided under personal property coverage. Click here to request
additional information.